Make sure you’re covered

Here are some examples of what an umbrella policy might cover:

• Legal fees if someone sues you
• If you are found responsible for damages or accidents caused by a guest at your home
• Medical expenses if your dog bites another person or pet
• Liability if you’re a party to a lawsuit against a charitable organization where you volunteer or serve on the board
• Liability for accidents that occur when you’ve rented a recreational item, such as a jet ski or a scooter

Umbrella insurance may be a good idea if you:

• Have pets, especially dogs
• Drive a carpool or have teenage drivers
• Have a swimming pool, a tree house, a boat dock, or a trampoline
• Own multiple properties, including rental units or vacant land
• Have savings or investments that you want to protect
• Own or operate recreational vehicles such as ATVs

If you’re not sure whether some aspects of your lifestyle might increase your exposure, our agents can help you assess your risk.

In addition to an umbrella insurance policy, you could also consider adding excess liability coverage to one of your existing policies. Excess liability policies only provide additional coverage and higher liability limits for policies you already have in place, like your home or car insurance.

An umbrella insurance policy is not tied to an existing policy. That means it can provide higher liability limits and broader coverage for things that your existing policies might not cover.